Terms of Business

The following sets out the basis on which we will conduct business with you and on your behalf. If you are unsure of any terms, then
please ask.

We are a vehicle finance broker and an independent fleet management provider.

Service

When you ask us for a quotation to arrange the supply of a vehicle, the provision of leasing or finance, or any other associated service,
you give your informed agreement to the terms of business as set out below.

We are a credit broker and not lender. We will endeavour to provide you with information best suited to your needs whether as a business
or an individual. We will only provide information on products and services within our capacity as a broker of vehicle finance and
fleet management provider. We do not provide advice and the decision of which product is selected remains your responsibility.

We select commercial and personal leasing products from a panel of leasing and finance providers [providers] having performed a comparison
of the products offered by them. The comparison of products from these providers, enables us to offer you a favourable product considering
terms, quality of service, and suitability in relation to your circumstances.

In addition to sourcing finance and leasing products directly with providers we may use a third-party intermediary or, manufacturer
finance house in order to offer the most suitable product for you.

Your attention is drawn to the section on Data Protection and how your personal data may be used.

Quotations

We will provide clear pricing and payment profiles, including the number and/or amount of advance rentals, subsequent frequency of
payments, and contracted mileage, clearly stating whether the quote applies to business or personal customers or both. Pricing will
clearly state whether VAT is included or not. We will not knowingly provide a quotation on a vehicle which, at the time of quoting,
we will not be able to fulfil.

Your quotation from us and the subsequent vehicle order form will show you the total price you need to pay in respect of any lease
or service agreement, including any fees, taxes and charges which are separate from the agreement.

We will ensure that any vehicle sourced and offered to you is of the manufacturer's current specification and standard at the material
time. Any variations will be clearly defined in the quotation and any relevant correspondence. Order communications will provide
approximate lead times as advised by the dealer and/or manufacturer.

Our quotations are usually valid for a period of 14 days from the date of issue, however we reserve the right to vary any quotation
at any time subject to one or more of the following:

Manufacturer price changes

Vehicle availability

Changes to legislation

Credit underwriting approval conditions

Variation in finance rates

Withdrawal of offers due to limited availability and/or circumstances beyond our control

Errors and omissions within a quotation are excluded and we reserve the right to withdraw a quotation as a result thereof.

Credit approval

Our quotations are subject to formal credit approval from our providers and their right to decline any application without providing
a reason is reserved. Our providers may impose varied terms on approval including enhanced initial payments or a request for a guarantee
or indemnity.

Prior to acting on your behalf or representing you to the provider we will obtain your consent or mandate either written or verbally.

You acknowledge that you will bear full responsibility for the accuracy and completeness of information entered on application or
proposal forms. The inclusion of incorrect information may result in the application or proposal being adversely adjusted or declined.
The provider will assess your application, and will make a decision based on the information you have given us.

In the event, that an application for credit is declined, or, where a variation to terms are requested by a provider, we will work
to manage your expectations. You are under no obligation to proceed with an order until such time, as an order reflecting such variations
has been approved by you.

In the event that the delivery period of a vehicle is in excess of 90 days from the original date that credit was approved, it may
be necessary for us to re-submit an application. We do not accept any liability for losses incurred by you should the provider
subsequently decide to decline or amend your application. In such circumstances we will work with you to attempt to gain approval
through an alternative provider albeit that this may be at a different rate to the original order.

Vehicle delivery

Delivery to UK mainland destinations is free of charge. We reserve the right to pass on any costs incurred should you amend a delivery
destination or abort a delivery once a delivery has been booked with the supplier.

Estimated delivery dates are based on information provided to us by suppliers and such estimates may be subject to change. We do not
accept responsibility for manufacturer delays which are beyond our control. In the event of your cancellation of our service due to
such a delay a cancellation fee will be payable in accordance with our terms (see below).

Limitations and exclusions

CO2 and P11D figures quoted are for guide purposes only and may be subject to change by the manufacturer.

Once an order has been approved by you and it has been accepted by us any subsequent amendment to specification and price will be
subject to your approval in writing. Such amendments are subject to approval by the leasing and finance provider and the manufacturer
and/or its dealer.

We do not accept responsibility for changes to financial information in the event of manufacturer price changes or changes to government
legislation or any other circumstances that are beyond our control.

We do not warrant the vehicles supplied or provide guarantees in respect thereof. Such responsibilities lie with the manufacturer
and/or its dealer. If you are not satisfied with the vehicle delivered we will endeavour, on your behalf, to liaise with the provider,
and vehicle supplier.

Your agreement may include a maintenance package either with the provider, or us, or a third party. This will usually include all
scheduled servicing; routine mechanical repairs; replacement tyres, batteries and exhaust; motor club membership. If your agreement
does not include a maintenance package then the provider may charge you, upon a vehicle being returned to them, for any maintenance
not undertaken throughout the course of the agreement. You are responsible for maintaining a vehicle in accordance with the manufacturer's
guidelines.

Where your agreement requires the vehicle being returned to the provider at contract end then your attention is drawn to the fair
wear and tear conditions on returned vehicles. If the return condition is not considered to be within the parameters of accepted fair
wear and tear then you may be subject to a refurbishment charge from the provider. Industry guidelines on the condition of return
vehicles are available from the British Vehicle Rental & Leasing Association (BVRLA) of whom we are a leasing broker member.

Warranties

Other than implied terms in favour of consumers under legislation all other warranties conditions and other terms implied by statute
or common law are excluded from this agreement.

Nothing in this agreement is intended to limit or exclude our liability for death or personal injury or for fraudulent misrepresentation
or any liability that may not legally be limited or excluded.

Commission disclosure and our remuneration

We do not charge for our vehicle finance broker service. We may receive a payment or other benefit for introducing you to a provider
who assists you with your agreement, intermediary, or supplying dealer. Prior to the delivery of a vehicle you may request from us
information in relation to any commission which we may receive.

Supplier solvency

We endeavour to place business with providers and suppliers who demonstrate an adequate level of solvency, however we cannot guarantee
their solvency. In the event of the insolvency of a provider or supplier we will not act as principal provider or supplier.

Client money

We do not hold client monies which are to be paid to a provider or third party. We only accept monies which are due to be paid to
our own business.

Data protection

Any personal information that we obtain from you in the course of our business is processed in accordance with the Data Protection
Act 1998. As part of the leasing broker service it will be necessary for us to pass such information to credit reference agencies,
leasing and finance companies, motor dealers, and other product or service providers who may also provide us with business and compliance
support.

The following will explain how your information is used in connection with your application. The 'information' means the information
you have given us which we pass on to the provider, or which they receive from their enquiries and searches at credit reference and
fraud prevention agencies. This applies to all applicants including directors and partners if the application is made by a limited
company, partnership or an unincorporated association.

Your details will be checked with credit reference and fraud prevention agencies, and these agencies will record the check. They will
provide the agencies with your current and previous names, addresses, and dates of birth of all parties, so if you are providing
information about others, on a joint application, you must be sure that you have their agreement. The agencies will provide them with
public information about you and any third party financially linked to you; information such as county court judgements (CCJs) and
bankruptcies, electoral register and fraud prevention information on you and your known financial associates, current and previous
names, addresses, and dates of birth. If false or inaccurate information is provided and fraud is identified, details will be passed
to fraud prevention agencies. Law enforcement agencies may access and use this information.

The agency searches that they make will leave a search footprint, both in their records and on your credit file at the agencies they
have used, whether or not an application proceeds. If the search was for a credit application, the record of that search (but not
their name) may be seen by other organisations when you apply for credit in the future. If you made a joint application they will
link together the records of the joint applicants, called financial associates. They will also link all your previous and subsequent
names and addresses. Links between financial associates will remain on your and their files until such time as you or your associates
successfully files for a disassociation with the credit reference agencies.

Information provided may be supplied to and used by the agencies to assess you and your household for: credit and credit related services;
checking details of employees; prevention of fraud and money laundering; managing your accounts; statistical analysis about credit
and insurance fraud; market research, and to verify your identity if you or your financial associate applies for other facilities.
They may access and use the information recorded by fraud prevention agencies from other countries. Information about you may also
be used for other purposes for which you have given specific information, or, in very limited circumstances, when required by law
or where permitted under the terms of the Data Protection Act 1998.

They may disclose your information to other subsidiaries or associates of their organisation. Credit scoring techniques may be used
to assess your application. If you want a copy of the information held about you we will supply you with details of who to contact
and how.

On occasions it may be necessary to try more than one provider from our panel in order to obtain credit. This may include additional
searches. In the event that we have to try with a second or subsequent provider we will only do so with your prior approval.

We are required to take reasonable steps to prevent fraud and financial crime. We may therefore request information from you to ensure
that an application is genuine and legal.

Cancellation (if you are a business)

Once we receive a signed order confirmation from you our leasing broker service will commence. If signing on behalf of a company you
agree that you are authorised to do so by that company.

Upon receipt of your signed order confirmation and the commencement of our leasing broker service, you acknowledge that if you wish
to cancel for any reason, you will incur a cancellation fee of £750 +VAT. This is reflective of the time and resources committed
at the point of order. In addition the supplying dealer may wish to levy a cancellation fee.

In the event that you cancel our leasing broker service due to the delay of the delivery of a vehicle beyond our original estimated
delivery date, then you shall remain liable for the cancellation fee as above, except where the delay is more than 30 days beyond
our original estimated date.

Payment of a cancellation fee may be made by bank transfer or cheque.

Cancellation of the leasing broker service will cancel your order for the vehicle and the finance agreement.

Cancellation (if you are a consumer)

Once we receive a signed order confirmation from you our leasing broker service will commence. When you sign our order confirmation
you accept and acknowledge that your right to cancel as stipulated under the Distance Selling regulations is restricted and is not
applicable once we commence the leasing broker service.

Upon receipt of your signed order confirmation and the commencement of our leasing broker service, you acknowledge that if you wish
to cancel for any reason, you will incur a cancellation fee of £750 +VAT. This is reflective of the time and resources committed
at the point of order. In addition the supplying dealer may wish to levy a cancellation fee.

In the event that you cancel our leasing broker service due to the delay of the delivery of a vehicle beyond our original estimated
delivery date, then you shall remain liable for the cancellation fee as above, except where the delay is more than 30 days beyond
our original estimated date.

Payment of a cancellation fee may be made by bank transfer or cheque.

Cancellation of the leasing broker service will cancel your order for the vehicle and the finance agreement.

Cancellation (default)

If you materially breach our Terms of Business then we shall be entitled to cancel our leasing broker service, specifically:

If you fail to make payment any sums due as per the terms of any order or other agreement you have signed.

If you have asked us to place an order for a new vehicle, and subject to the vehicle being in stock, you have failed to accept delivery
within 30 days after our estimated delivery date.

If you have asked us to place an order for a new vehicle, and subject to the vehicle being available in stock, we have not received
the required lease, finance or other agreements as required for us to be able to fulfil your order, within 30 days after our estimated
delivery date.

If you breach our Terms of Business and our leasing broker service is cancelled by you, you acknowledge that a cancellation fee of
£750 +VAT will be due to reflect the time and resources committed at the point of order. The cancellation fee will be payable
within 14 days of cancellation.

Statutory rights

Your statutory rights, including any rights you have as a consumer are not affected by anything in this agreement. Nothing in this
agreement is intended to limit or exclude our liability for death or personal injury or for fraudulent misrepresentation or any
liability that may not legally be limited or excluded.

Treating customers fairly

We aim to treat all customers fairly. Full details of our policy on Treating Customers Fairly is available
here.

Complaints

We aim to provide the highest level of service at all times. Occasionally things may go wrong and we aim to resolve complaints promptly
and satisfactorily. If you feel you have cause to complain then our Complaints Procedure is available
here.